Source date: 2026-01-12
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From June 19, 2026
Sale of financial services: new rules to protect consumers from June 19 Published on January 13, 2026 - Updated on May 27, 2026 - Service Public / Directorate of Legal and Administrative Information (Prime Minister)
Do you sometimes subscribe online or by phone to financial service offers (insurance, loans, savings products, etc.)? To better protect consumers, new rules are being implemented starting June 19, 2026. An ordinance and a decree dated January 5, 2026 introduce these new provisions. Service Public provides more details.
The ordinance of January 5, 2025 transposes a European directive from November 2023 aimed at better protecting consumers subscribing to financial services online or by phone. Relevant professionals are subject to new rules regarding the right of withdrawal and consumer information.
Easier right of withdrawal For contracts concluded remotely via an online interface, the ordinance requires "easy, direct, and permanent access to the right of withdrawal." The professional must provide the consumer with this functionality free of charge, allowing them to exercise this right without cost before the expiration of the period provided for in the Consumer Code.
Mandatory pre-contractual information The framework for pre-contractual information intended for consumers is strengthened. The Consumer Code is amended to require companies to provide, free of charge and before signing the contract, all "adequate explanations concerning the proposed financial service contracts": information about the professional and the products offered, terms of the right of withdrawal, possibility of filing a complaint, price due by the consumer (including all commissions, charges, expenses, and related taxes), consequences in case of default or late payment, etc.
The information must be provided in a readable and understandable manner, and its commercial nature must be clearly evident. Furthermore, it must be accessible to consumers with disabilities.
Contracts subscribed via voice telephony secured by a "two-step" sale The ordinance revises the regulatory framework for contracts concluded via voice telephony. During each telemarketing call, the professional must state their name, the commercial purpose of the call, and whether the call is being recorded at the beginning of the conversation.
The ordinance states that when a contract is concluded following contact via voice telephony, including at the consumer's initiative, the supplier must send the consumer a confirmation of the offer made, on paper or any other durable medium. "The consumer is bound by this offer only after having signed it on paper or any other durable medium" (this provision enters into force on January 1, 2027).
No manipulation of consumers Finally, online interfaces must not be designed "to deceive or manipulate the recipients of the service [or] in any other way likely to substantially alter or hinder their ability to make free and informed decisions."
The targeted practices include:
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influencing the consumer's decision through the way offers are presented;
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repeatedly asking consumers to make a choice that has already been made, particularly by displaying pop-up windows likely to disrupt their choice;
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making the procedure for unsubscribing from a service more complex than the subscription procedure.
The general prohibition of telemarketing across all sectors enters into force on August 11, 2026 (Law of June 30, 2025 against all fraud involving public aid). The professional must immediately end the call if the consumer does not wish to continue and is prohibited from contacting them again.
Telemarketing will only be permitted in two cases:
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if the consumer has previously given their consent to be contacted, in a "free, specific, informed, unambiguous, and revocable" manner;
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or when the call concerns an existing contract.
Legal texts and references
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Ordinance No. 2026-2 of January 5, 2026, on the remote marketing of financial services to consumers
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Decree No. 2026-3 of January 5, 2026, on the remote marketing of financial services to consumers
See also
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Telemarketing: new rules Service Public
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Telemarketing: rules for displaying phone numbers are evolving Service Public
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Ordinance of January 5, 2026, on the remote marketing of financial services to consumers Vie-publique.fr
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Online commerce: how to better protect consumers? Vie-publique.fr
Agenda
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From June 1, 2026 to Jan. 15, 2027 Higher education How to benefit from the Parcoursup mobility grant? Published on May 12, 2026
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From June 24 to July 21, 2026 Sales What are the dates for the summer 2026 sales? Published on May 7, 2026
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From June 20, 2025 Sustainable consumption The energy label extended to smartphones and tablets from June 20 Published on June 12, 2025
Source: Service-Public professionals